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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $87,508 | $81,358+7.6% | $155,556-43.7% | $80,959+8.1% |
| Participation rate | 80.8% | 66.3%+14.5pp | 78.2%+2.5pp | 67.7%+13.1pp |
| Annual return | 10.77% | 33.39%-22.6pp | 64.84%-54.1pp | 35.67%-24.9pp |
| Employer contribution / active EE | $2,380 | $3,106-23.4% | $4,675-49.1% | $2,757-13.7% |
| Participant deferral / active EE | $6,170 | $3,455+78.5% | $5,631+9.6% | $4,300+43.5% |
| Admin fee / account holder | $648 | $7,994-91.9% | $15,885-95.9% | $6,925-90.6% |